Cupertino Underinsured Motorist Accident Lawyers
Uninsured/Underinsured Motorist Accident
Automobile accidents in California can be troubling times. After injuries are determined and proper care is administered to ensure a speedy recovery, accident victims are left to handle the more tangible aspects of the accident. Specifically, vehicle repair and/or replacement are often the second most important issue pertaining to traffic accidents, with personal injury being the first. Associated with this critical issue are insurance companies and insurance coverage, the latter being that which enables an accident victim to acquire the necessary funds to repair or repair an accident-damaged vehicle. However, not all motorists carry enough insurance coverage, and some may carry none at all, at which point skilled legal representation accustomed to dealing with uninsured/underinsured motorist accidents are sought and matters are handled at a much more effective rate.
In the state of California, motorists are legally required to have current car insurance on the vehicle they drive. However, some motorists choose not to have coverage, either because insurance costs are too high or they assume that insurance is a waste of money because, in their minds, the likelihood of an accident is so small that paying for insurance seems to be a waste. Consequently, for all other motorists who do carry insurance, often protect themselves and their financial well-being by having uninsured and underinsured motorist accident insurance coverage.
Uninsured/Underinsured motorist insurance ensures that your insurance company, in the event that you are in an accident with another motorist who does not have insurance coverage, will cover the costs associated with your medical bills and/or damaged property up to a certain dollar amount. In the event that the motorist with whom you are in an accident with is underinsured, and you have underinsured motorist coverage, your insurance company will pay the difference between the amount that you need and the limited amount that the negligent party’s insurance covers (this amount that serves as the difference will not exceed the amount of coverage you pay for). In any event, there is always a cap on the amount of the settlement that your insurance company is willing to pay, according to the stipulations of the policy.
Funds sought from insurance companies can help cover the costs of medical bills, monetary compensation for injuries, vehicle repair or replacement, and even wages lost or to be lost in the future resulting from the motor vehicle accident. However, insurance companies, in being businesses looking to profit as much as possible, often times may undercut insurance settlement payouts, attempting to short change unsuspecting injured motorists who are oblivious to the tactics that insurance companies engage in order to minimize costs.
If you have been involved in an automobile accident with a motorist that is uninsured or underinsured, you need a legal team on your side that will make sure that your insurance company doesn’t short change you. At Van Der Walde & Associates, our skilled California motor vehicle accident attorneys will examine the aspects of your accident, negotiate with your insurance company, and see to it that you receive the settlement amount that is owed to you. Please call us today at 877-862-6288 for a free consultation.
